Warner Robin's is another great market...there's  an airforce base and it's in close proximity to Macon which makes it ideal.

A HELOC offers flexibility and lower interest rates, which can be ideal if you’re looking for short-term financing with lower payments during construction.

Switch Lenders: I’m currently working on refinancing (six other properties), so I’m thinking maybe I should take everything to another lender who might be a better fit.  

Check with your broker and make sure this fits with your local laws.

Ideally I'd like the ability to invest in individual stocks of my own choosing (fractional shares is a plus), a diverse option of index funds, and ETFs.Has anyone found a great banking option to have the most flexibility with your HSA investments?

I deal in multiple states, and it's a nationwide thing tbh. 

While I’m open to both turn-key and fixer-upper properties, my preference leans slightly toward value-add opportunities where I can improve the property and increase equity or cash flow.That said, I’m also happy to consider turn-key options that provide immediate cash flow if they fit within my investment strategy.

fit into the mix?

Ideally, these would be vacant and abandoned properties that have not been sold in the past 5+ years.

You as a home owner can use the proceeds as you see fit.